Missouri Health InsuranceThe Show-Me StateCall 855-367-1095

St. Louis, Missouri: health insurance

St. Louis is in St. Louis city. Here is what St. Louis residents should know about coverage.

Coverage in St. Louis

St. Louis has about 281,754 residents (U.S. Census Bureau 2023 estimate).

Plans for St. Louis residents are determined by St. Louis city, home to about 281,754 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers St. Louis city before you choose it.

  • Turning 65 in St. Louis? Your Initial Enrollment Period runs seven months around your birthday. CLAIM (Community Leaders Assisting the Insured of Missouri) offers free counseling at 800-390-3330.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
  • Medicaid questions? MO HealthNet (Missouri Department of Social Services) handles applications.

Missouri note: Missouri's Medicare counseling program, CLAIM, is run as an independent nonprofit rather than directly out of a state agency -- a different structure than most states' SHIP programs, though it's still the officially designated, federally-recognized SHIP for Missouri.

Colleges and universities near St. Louis

Missouri public institutions include University of Missouri, Missouri State University, Missouri University of Science and Technology. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Missouri colleges.

Do St. Louis and St. Louis city have the same plans?

Plans are offered by service area, and St. Louis falls under St. Louis city. A plan that serves St. Louis city is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

St. Louis residents: call 855-367-1095

Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.

Call 855-367-1095

Other major Missouri cities

Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Missouri plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Take a look at Missouri plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.

Look at plansCall 855-367-1095
Short-term · TriTerm

Need coverage in between?

Short-term and TriTerm plans can start quickly and help with big unexpected medical bills. They are not ACA plans: they can ask health questions, may not cover pre-existing conditions, and what is offered varies by state. See what Missouri allows.

TriTermCall 855-367-1095

Questions along the way? Call 855-367-1095 for assistance.